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  • Integration of Transformation Technology and Conventional Plant Breeding of Cereal Plants
    75-80
    Views:
    141

    The integration of plant breeding and plant transformation is needed because we have to create a homozygous genotype of great agronomic value by conventional breeding before the application of genetic technology with which we modify it by using a gene or genome sequence. The aim of integrated plant breeding is to trigger such advantegous changes by genetic technology which can not be achieved via conventional breeding or just with considerably weaker efficacy. By transformation, the plant’s agronomic performance, the efficiency and security of its production will improve and it will enable more versatile uses of the plant. Genetic technology is one sequence of a new plant variety’ breeding. To create a transgenic variety, the isolation of a gene or a sequence of a gene from the donor genome for tranformation, a homozygous plant or target genome that is suitable for transformation and is created via conventional breeding methods, an effective transformation technique and the establishment of the new variety from the transformed, fertile plant are needed. The transgenic plant should be made suitable for establishing a variety by conventional breeding so that it could be produced securely, its growing could contribute to the development of modern, sustainable agriculture, its seed could be produced profitably, it could meet the reqiurements of DUS and that the changes indicated by the transgene could provide such economic advantages compared to the original variety, which have real commercial value.

  • Penicillium chrysogenum antifungal protein (PAF) production in transgenic tobacco (Nicotiana tabacum) plant
    77-82
    Views:
    211

    Under the „Molecular farming” research program (product vaccines and substances for medical use with gene manipulated plant) in 2007 in UD Centre for Agricultural Sciences and Engineering Faculty of Agricultural Science Institute of Horticulture Department of Plant Biotechnology experiments were launched to transform tobacco plant by PAF antifungal protein. Our aim was to learn the transformation technics. We chose the
    Nicotiana tabacum and PAF as model systems.
    Our work was to express several different paf constructions in plants with nuclear and plastid transformation too. After that we confirmed the presence of paf gene in the level of DNA and RNA.

  • Adopt the tobacco plastid transformation technics in Hungary
    73-76
    Views:
    191

    Under the GENOMNANOTECH Debrecen Regionális Egyetemi Tudásközpont (GND RET) research program in summer 2007 in UD Centre for Agricultural Sciences and Engineering Faculty of Agricultural Science Institute of Horticulture experiments were launched to transform tobacco plant by plastid transformation technics.
    Our aim was to adopt first in Hungary the tobacco plastid transformation technics, which were used in Waksman Istitute Rutgers, The state University of New Jersey (USA) leading with Prof Dr. Pál Maliga. Scientists won scholarships learn and use this technics in the University of Debrecen.

  • Increase of Wheat (Triticum aestivum L.) Resistance to Leaf Rust (Puccinia tritici) via Gene Transformation
    127-129
    Views:
    146

    Leaf rust is one of the most significant fungal disease of wheat not only in Hungary but also in other parts of the world. For improving leaf rust resistance of winter wheat variety (Hajdúság, 2003) produced by conventional breeding methods, verified by results of variety tests, showing outstanding results in the aspect of the most important economic values, integration of tissue culture technics, genetic engineering and traditional
    methods may provide facilities. Building the gene(s) responsible for resistance into the determined genome can improve the resistance in a way that changes other features of the plant slightly or not at all. In the course of genetical transformation of the variety Hajdúság we applied one of the wheat’s own effecient green-tissue specific insurer genetical regulator, the promoter of ribulose carboxylase 1-5 bisphosphate (RuBisCo) ‘s small
    subunit to control the expression of the gene cmg1.

  • Comparative analysis of the transformation of Hungarian and East German agriculture
    164-170
    Views:
    130

    Agriculture, and within it, the development and later transformation of the cooperative system shows many similarities between Hungary and the Eastern German provinces. A few examples can be mentioned, such as the mistrust against the notion of cooperation, the forced development of the cooperatives and, as an occupied territory, the influence of the Soviet Union. Similar issues emerged in both countries’ agriculture and the measures taken were also alike. Similar social, economic processes and changes were started at the end of the 1980s (1989/90) and these had a significant effect on the areas that serve as a basis for this study.

  • The role of self regulation and market mechanisms in tertiary education
    91-97
    Views:
    189

    The social functions of tertiary education have gone through considerable changes with the transformation of economic environment in the more than two past decades. In the decade after the political transformation the number of students in the tertiary education increased more than threefold. Personal interests, social needs and the demands of the society lay different claims to the performance of this sector. The needs for structural transformation of the tertiary education system are connected with the development of social and economic processes. The changes of legal regulations determining the operation of the sector are induced by these factors, which refer to the autonomic characters of the public participants. Tertiary education possesses a specific market environment each of whose characters – both the supply and demand sides – strive for the enforcement of self-regulatory mechanisms.

  • The characteristics of the resource needs of innovative businesses
    123-127
    Views:
    190

    Every university was funded in different historical periods with particular feature, particular political system, particular proprietory structure and particular economic background, which characterised the particular era. The historical antecedents considerably influenced the situation and role of the institutions as well as the course of their development. Although they had common features but their spatial projections are very dissimilar. In the 19th and 20th century Hungarian history – in the periods of economic integration with the modification of political system and transformation of the social background – the economic and social functions of tertiary education underwent considerable changes, which started to accomplish by the second half of the 20th century and the early 21st century. To moderate regional disparities, European and Hungarian regional development policy considers particular importance to the economic structure of the regions and their potential to be reformed, which is one of the corner stones of compatibility. Considering the more and more diversifying functions of universities, the question is, which factor is more significant; tertiary education or the relation between the sectors of national economy. The possible correlations we presented through the economic structure and the transformation of tertiary education functions of the integration periods.

  • GC-MS studies to map mechanistic aspects of photolytic decomposition of pesticides
    11-16
    Views:
    147

    Transformation of pesticides in the environment is a highly complex process affected by different factors. Both biological and physical-chemical factors may play a role in the degradation, whose ratio depends on the actual environmental conditions.
    Our study aims to reveal specific details of photolytic degradation of pesticides as important soil contaminants. Significance of these studies is enhanced by the fact that pesticide decomposition may contribute to soil degradation, and have harmful biological effects by degrading to toxic products. The toxicity of the examined pesticides is well known, however very little information is available regarding their natural degradation processes, the quality, structure and biological impact of the degradation products.
    The photolytic degradation of frequently applied pesticides of distinctive types (acetochlor – acetanilide, simazine – triazine, chlorpyrifos – organophosphate, carbendazim – benzimidazole) was investigated. A special, immerseable UV-light source was applied in order to carry out photodegradation. The degradation processes were followed by thin layer chromatography (TLC) and mass spectrometry coupled with gas chromatography (GC/MS). EI mass spectrometry was used to identify the degradation species.
    Each of the studied pesticides underwent photolytic decomposition, and the detailed mechanism of photolytic transformation was established. At least four degradation species were detected and identified in each case. Loss of alkyl, alkyloxy, amino-alkyl and chloro groups might be regarded as typical decomposition patterns. Deamination occurred at the last stage of decomposition.

  • Change of mineral and organic nitrogen forms in a long term fertilization experiment (literature)
    43-47
    Views:
    248

    The research topic has timeliness, since the rational utilization and protection of the soil, besides the conservation of its diverse functions is part of the sustainable development. Research of the long-term experiments is esentially important, because it can model the term effects in the same place, under the same conditions. If we want to get accurate informations about the occured changes, way and danger of changes, we should track the resupply and effect of the mineral nutrients and the removed quantity of nutrients with the harvest. Nitrogen is an essential element for living organisms, it is present in the soil mainly in organic form. In general only only a low percentage of the total nitrogent content can be used directly by plants in the soil. This inorganic nitrogen is produced by the transformation of organic contents through mineralization processes and it get into the soil by the fertilization. The plants incorporote the mineral nitrogen into our bodies. This is how nitrogen turnover is realized when mineral forms become organic and organic forms become mineral.

    The purpose of our paper is to make a literature before our research.

  • Social justice as a factor in socio-economic preconditions effective process of economic transformation Ukraine
    63-64
    Views:
    189

    The article deals with social justice as the main factor of social and economic prerequisites for effective transformation of the economy of Ukraine and basic ways of overcoming injustice in the social sphere of life.

  • Effect of agrotechnical factors on the activity of urease enzyme in a long term fertlization experiment
    43-48
    Views:
    295

    The soil is a natural resource, the fertility preservation is an important part of the sustainable development. We have to monitor the transformation dinamics of the organic nitrogen-containing substances, to get accurate information about the changes of the nitrogen cycle in the soil.

    Physical and chemical properties of the soil and the microorganism effect on the organic matter in the soil – in addition to the composition of organic matter. Wide variety of extracellular enzymes are present in this decomposition. These enzymes help in the transformation of the macromolecules to transforming low molecular weight compounds so they will be available during the assimilation.

    The urease enzyme, catalyzes the hydrolysis of urea to CO2 and NH3. The urease is widely spread in the nature, it is present in the microorganisms, plants and animals.

    We found that the soil moisture content, the rotation and the fertilization affect to the amount of urease in spring. Furthermore, we get significant difference between the irrigated and non irrigated samples in the second period of the year. Based on our results we can state that the activity of urease was higher in spring 2014.

    The objective of our study was to present how the different agronomic factors affect on the activity of urease in a long term fertilizationexperiment.

  • The structure of tertiary education, training and research potential influencing factors
    49-53
    Views:
    202

    Nowadays more and more pronounced demand for tertiary education appears as an output of the labor market and the real labor market needs coordination of intention. A necessary condition for the long-term sector strategies, conscious coordination. In Hungary – the sector management level – headed tertiary education training structure and the transformation of the institutional network. There is a close relationship between training supply and research and development potential, as an institution typically the same disciplinary education and research base continues. Based on this, we assume that the structure of the training may influence the development of the restructuring of the research and development potential as well. The institutional network reorganization (merger, liquidation, establishment of new institutions) is expected to result in a former spatial structure of tertiary education in the modification, which in itself is a training and research supply spatial rearrangement may apply. Against this background, questions have been raised as to how the objectives in the current tertiary education strategy for economic operators serving the needs of each territorial unit, how the institution fits into network transformation of economic structure and labor market needs of the regions.

    In order for the Hungarian tertiary education can meet the requirement for industry standards, an essential part of the structure of industries, and the changes occurring in the economic structure, trends and industry relations in the investigation. On the other hand, we do not ignore those factors are not, which have a determining influence on the tertiary education institutions in training and R&D supply. As part of this study in tertiary education institutions will be examined possible factors influencing education, research and development demand and supply, which gets a prominent role in the economic structure of relations between the territorial dimension in the evolution of discount factors and the nature of particular sectors.

  • Concentration and Horizontal Integration in Milk Production
    60-66
    Views:
    160

    Agriculture in Hungary was characterised by the duality of large-scale farms (co-ops and state farms) and small-scale private enterprises until the beginning of the 1990s. Due to the privatisation and transformation of co-ops farm structure has significantly changed. The transformation of the structure is not considered to be a completed process. Level of concentration and integration on private farms are rising, new co-operation forms are appearing and new types of enterprises and producers’ groups are being formed.
    Concentration and integration have great importance in the dairy sector among agricultural enterprises. In recent years, milk production in the European Union has been characterised by concentration, leading to greater competitiveness. Today, most dairy producers belong to different kinds of producers’ organisations as concentrated demand may only be competitive by meeting concentrated supply. In Hungary, the problems of production have been the fragmentation and decrease of the average farm size while, at the same time, concentration has occurred in the processing sector. Establishing producers’ groups may be one of the solutions for improving competitiveness production.

  • Change of soil nitrogen content in a long term fertilization experiment
    39-44
    Views:
    319

    The most important aim of sustainable agriculture is to ensure our natural resources – such as soils – protection, which includes fertility preservation and the use of appropriate methods of cultivation.

    If we want to get accurate information about the occurred changes, way and danger of changes, we should track the resupply and effect of the mineral nutrients and the removed quantity of nutrients with the harvest.

    Nitrogen is an essential element for living organisms and it is present in the soil mainly in organic form. In general only a low percentage of the total nitrogen content can be used directly by plants in the soil. The mineral nitrogen is incorporate by plants into our bodies. This inorganic nitrogen is produced by the transformation of organic contents through mineralization processes and it gets into the soil by fertilization. This is how nitrogen turnover occurs when mineral forms become organic and organic forms become mineral.

    The objective of this publication was to introduce – through some element s of nitrogen turnover- how changing the properties of soil in a long term fertilization experiment.

    We established that the fertilization is influenced the soil pH. With the increase of fertilization levels increased the acidity of the soil, maybe it is related with the number of nitrification bacteria. The fertilization and the rotation affected to the quantity of nitrate.

  • The noise monitoring system of Debrecen International Airport and requirement of appointing noise protection zones, regarding to the growing air traffic
    191-194
    Views:
    196

    The Debrecen International Airport has been undergoing a significant transformation regarding to the growth of traffic and its composition. Considering the dwelling zone location of the airport we cannot avoid the possible noise pollution that it may cause, since its permanency, and growth of intensity, could be the reason of durable health deficiency. The airports’ noise pollution zones are determined, and classified by domestic, and international regulations, the measured data of the noise monitoring system, and the content of the air traffic regarding to the type of planes. Summoning all of these we recommend the D zone qualification of the airport, and the traffic daylight restriction referring to the S5 type of planes. We also advise to build up a more sophisticated and wider extended noise monitoring system.

  • Bioreactors in Hungary
    248-254
    Views:
    175

    The transformation and utilization of organic materials must occur with the highest degree of environmental conformity. This conformity – in accordance with the guiding principles of the European Union – will result in a new economic and systematical approach. We can establish the profitability of projects with the utilization of surplus effects which characterize multiple-product lines.

  • Assessment of electrical conductivity and germinability of groundnut genotype seeds
    5-10
    Views:
    496

    Seed quality affects crop establishment and productivity. In addition, the use of good-quality seed is an essential prerequisite for sustainable crop production including groundnuts. Assessing germinability and electrical conductivity provides early evidence of the production potential of a given crop variety or genotype. Therefore, this study assessed the germinability and electrical conductivity of seeds of three groundnut genotypes. A laboratory experiment arranged in a Completely Randomized Design (CRD), replicated three times, was conducted at the Faculty of Agriculture, Kyambogo University, in 2020. Seeds of Igola, Serenut 1, and Serenut 2 groundnut varieties were tested, and data was collected on germination percentage and electrical conductivity. Analysis of variance (ANOVA) was performed using GenStat and means were separated using the least significant difference test at a 5% probability level. Germination percentage and electrical conductivity significantly (p<0.05) differed among the groundnut varieties, with Igola recording the highest germination percentage, followed by Serenut 1, and the lowest was in Serenut 2. The highest electrical conductivity was recorded in Serenut 1 and the lowest in Igola. Since Igola had one of the lowest electrical conductivity and the highest germination percentage, it was concluded that Igola genotype retained higher quality attributes.

  • Features of forming an invertebrate fauna in technogen environment (Kriviy Rig, Ukraine)
    53-56
    Views:
    197

    The features of invertebrate fauna forming in conditions of technogen pressure (Kriviy Rig, Ukraine) were studied. The taxonomic composition, dominance structure and correlation of soil invertebrates’ functional groups in the large industrial enterprises were examined. It had been found that a small thickness of the soil layer as a habitat for ground animals causes the depletion of taxonomic composition, species richness and decrease the total number of soil invertebrates. Gastropoda molluscs in conditions of technogen pressure are the most adapted to stresses group of invertebrates.

  • Analysis of show-jumping results with different measure variables
    77-81
    Views:
    462

    The aim of this paper is to estimate heritabilities and to  compare different fitted models for Hungarian Sporthorse showjumping results. Our analysis is based on the show-jumping results between 1996 and 2004. The repeatability animal model for the evaluation of the test results included the fixed effects of gender, breeder, rider, age, year of competition, type of competition, height of fence and number of starters. Variance and covariance components were estimated with VCE-5 software package. Fitting of the models were evaluated with log-likelihood values and Akaike’s information criterion (AIC). Heritability was low in all cases.
    The lowest goodness-of-fit model was height of fence-error score and the best-fitting genetic model based on AIC was model using cotangent transformation.

  • Studies of Expression of Peptaibol Synthetase of Trichoderma reesei
    188-190
    Views:
    264

    Because of the potential importance of peptaibols in the biological control of plant diseases, a transgenic, a T. reesei strain carrying a tex1-promoter: goxA fusion plasmid was constructed for furthur studies. The peptaibol synthetase gene (which is highly similar to T. virens tex1) was identified in the genome sequence of T. reesei. A 900 bp 5’ upstream noncoding fragment, presumed to include the promoter region of tex1, was cloned into the pSJ3 plasmid (which contains the Aspergillus niger goxA gene encoding glucose oxidase). Finally, we transformed T. reesei with the tex1-promoter: goxA fusion containing pSJ3 plasmid.

  • The online marketing possibilities and judgment of the domestic food-sector
    77-84
    Views:
    305

    The theme of my PhD research is the online marketing possibilities and judgment of the domestic food-sector. This article is based on the important bibliography of my research theme. I show the new categorization of the tools of marketing communication. I examine the recent years’ changes of the social approach and the interactivity. Based on the meeting of the Internet I separate our ages’ generations. Furthermore I examine the transformation of consumers into users in the digital environment. I prove the changes of the Internet’s penetration and the presence of enterprises in the Internet with statistic data. I touch the tendency of information searching in online environment. I present new methods to measure the online marketing activities’ return.

    Finally, I define my objectives of research based on my own experience and bibliography overview over and above I draw up my concrete future’s research which I separate seconder and primer section.

  • Differences in Regional Development in the Northern Great Plain Region
    170-180
    Views:
    282

    An important ambition of EU regional politics is the reduction of disparities. An important strategical objective of the Commission is to terminate underdevelopment and to ensure the development of the regions based on the principles of solidarity, equity and justice. The commission has dedicated forty percent of its common budget to achieve these goals. The differences in development are significantly influenced by the economic characteristics of the specific region, the quality and quantity of human resources, the accessibility of the region and factors influencing local quality of life.
    The new spatial structure has been formed by the processes of the change of regime, the events of nineties and the economic renewal based onforeign capital investments parallel with crisis phenomenon. The economic, political and social consequences of the transformation have significantly transformed spatial structure and increased disparities. New disparities have formed, which strengthened due to the formation of east-west slopes and local crisis zones. The outstanding improvement of the capital resulted in great regional development differences, which can be detected when examining regional distribution of gross domestic product. The Eastern part of the country was most heavily affected by the collapse of heavy industry and agricultural mass production based on the Eastern markets.
    It is of key importance for the region to strengthen regional competitiveness, which requires the application of consistent development-politics. Economic development is the most important, which can also draw the possibility of establishing welfare infrastructures. It is important to develop the processing industry, the supply networks and to ease the lack of capital it is also important to involve foreign capital. Developing agriculture plays an important role in transforming the structure of the economy. Since the conditions of the region, its traditions and long-term competitive advantages are favorable, thus can represent a greater ratio in the economy than the EU average. The modernisation of the agricultural sector can be promoted by supporting marketing, quality agricultural development and producer-retail cooperation. It is also highly important to promote development in transportation and informatics infrastructure and human resources.
    In the future – based on the strength of the region – it is necessary to achieve such a consistent regional development politics, which by validating the principles of regional politics, serves the interest of utilizing regional development supports most efficiently and prevents the irreversible underdevelopment of the region and promotes fast development.

  • Complex problem analysis of the Hungarian milk product chain
    43-47
    Views:
    182

    Hungarian dairy sector went through significant changes in past two decades. The most significant changes were caused by our accession to the European Union. In Hungary milk production remarkably declined after EU accession. The size of our dairy herd has been practically reducing since the political transformation, but increasing yields per cow could compensate it in some way and for some time. However, in recent years, increasing yield per cow came to a stop and in parallel, the number of cows declined further and faster. Low prices, high production costs and tightening quality requirements ousted several producers from the market in past years. Feeding cost represents the highest rate in cost structure of production, but animal health expenditures and various losses are also significant. There are undeniably competitive disadvantages in the level of organisation and labour productivity; however competitiveness already depends on cost effectiveness in the medium run. In Hungary concentration of the dairies is relatively strong in spite of the relative high number of corporations. The dairies compete with each other and with the export market for the raw material and the better exploitation of their capacities. Applied technology of the Hungarian dairies lags behind the Western-European competitors’; in addition they have handicaps in efficiency and product innovation. Presence of chain of stores being dominant in sale of milk products does also not favour in all respects to the position of the dairies. The aforementioned retail chains are namely consumer-centric, engage in price follower conduct and weaken the position of the dairies with their private label products. As a result of increasing import of milk and milk products Hungary became a net importer in recent years. Today, disposable income still essentially determines the consumption habits of price-sensitive consumers. Loyalty for Hungarian products is not typical, consumers are open for import products being preferred by retail chains. In addition Hungarian milk and milk product consumption is about half of the Union average and it is far behind the level being necessary for healthy eating. In Hungary lack of competitiveness and vertical integration relationships and backwardness are revealing among the dairy farmers and the dairies, while chain of stores are in unprecedented “monopolistic situation”; the whole sector can be characterised by defencelessness. 

  • Assessment of Environmental Susceptibility/Vulnerability of Soils
    62-74
    Views:
    193

    Soils represent a considerable part of the natural resources of Hungary. Consequently, rational land use and proper soil management – to guarantee normal soil functions – are important elements of sustainable (agricultural) development, having special importance both in the national economy and in environment protection.
    The main soil functions in the biosphere are as follows: conditionally renewable natural resource; reactor, transformer and integrator of the combined influences of other natural resources (solar radiation, atmosphere, surface and subsurface waters, biological resources), place of „sphere-interactions”; medium for biomass production, primary food-source of the biosphere; storage of heat, water and plant nutrients; natural filter and detoxication system, which may prevent the deeper geological formations and the subsurface waters from various pollutants; high capacity buffer medium, which may prevent or moderate the unfavourable consequences of various environmental stresses; significant gene-reservoir, an important element of biodiversity.
    Society utilizes these functions in different ways (rate, method, efficiency) throughout history, depending on the given natural conditions and socio-economic circumstances. In many cases the character of the particular functions was not properly taken into consideration during the utilization of soil resources, and the misguided management resulted in their over-exploitation, decreasing efficiency of one or more soil functions, and – over a certain limit – serious environmental deterioration.
    Soil resources are threatened by the following environmental stresses:
    – soil degradation processes;
    – extreme moisture regime;
    – nutrient stresses (deficiency or toxicity);
    – environmental pollution.
    Environmental stresses caused by natural factors or human activities represent an increasing ecological threat to the biosphere, as well as a socio-economic risk for sustainable development, including rational land use and soil management.
    The stresses are caused by the integrated impacts of various soil properties, which are the results of soil processes (mass and energy regimes, abiotic and biotic transport and transformation and their interactions) under the combined influences of soil forming factors. Consequently, the control of soil processes is a great challenge and the main task of soil science and soil management in sustainable development.
    The efficient control of these processes necessitates the following consecutive steps:
    • registration of facts and consequences (information on land and soil characteristics, land use, cropping pattern, applied agrotechnics, yields, with their spatial and temporal variability);
    • evaluation of potential reasons (definition and quantification of soil processes, analysis of influencing factors and their mechanisms);
    • assessment of the theoretical, real, rational and economic possibilities for the control of soil processes (including their risk-assessment and impact analysis);
    • elaboration of efficient technologies for the „best” control alternatives (best management practice).
    Scientifically based planning and implementation of sustainable land use and rational soil management to ensure desirable soil functions, without any undesirable environmental side-effects, require adequate soil information. In the last years such data were organized into a computer-based GIS soil database in Hungary, giving opportunities for the quantification, analysis, modelling and forecasting of the studied environmental stresses and for the efficient and scientifically based prevention, elimination or reduction of environmental stresses and their unfavourable ecological and economical consequences.
    Special attention was paid to the assessment of various soil degradation processes, as: (1) soil erosion by water or wind; (2) soil acidification; (3) salinization and/or alkalization; (4) physical degradation (structure destruction, compaction); (5) extreme moisture regime: drought sensitivity and waterlogging hazard; (6) biological degradation; (7) unfavourable changes in the plant nutrient regime; (8) decrease of natural buffering capacity, (9) soil (and water) pollution.
    The actions against undesirable environmental stresses and their unfavourable consequences are important elements of sustainable, efficient, economically viable, socially acceptable and environmentally sound crop production and agricultural development. These are joint tasks of the state, decision makers on various levels, the land owners, the land users and – to a certain extent – of each member of the society.

  • The economic structure and the tertiary ecucation of the function of transformation Hungary 19th and 20th century of in economic integration periods
    115-122
    Views:
    187

    Knowledge-intensive businesses sectoral nature of the operation and the specific attributes of the innovation life cycle processes, different needs and different needs induce. These features can also differentiate time that their activities when and what type of resources they require. The availability of capacity in terms of a network co-benefits for those businesses that are creating the possibility that such resources are available to ensure the realization of goals that are not individually owned. These factors and the availability of local availability is also motivated by the small and medium enterprises willingness to cooperate.

    Regional supply of resources necessary for the operation of the business of insurance, universities play a key role. The functions of universities in innovation as a business service can be understood as an activity that mediate high added value to other organizations and companies. Questions arise as to the innovative nature of the business industry and sector weights would differentiate whether the R&D&Iintensive areas of expertise.